Nicks Lending
Useful, sourced, no sales pitch

The blog

Plain-English writing on home financing, focused on reverse mortgages (HECMs) first. Every post is dated, cites its sources, and is here to answer a real question — not to sell you anything.

HECM Basics

What HUD-Approved HECM Counseling Actually Covers

Before anyone applies for a reverse mortgage, they sit down with an independent HUD-approved counselor. Here is what that session is for, what it protects, and why I think it is one of the best parts of the process.

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